Many consider insurance a game of chance. It may be, but no one wants to be on losing end of the role of the dice. Bicycling is dangerous enough as it is, there's no sense in upping the ante by not having adequate insurance in case of an accident, theft, vandalism, etc.
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Pursuant to Labor Code Section 5432(a), making a false or fraudulent workers' compensation claim is a felony subject to up to 5 years in prison or a fine of up to $50,000 or double the value of the fraud, whichever is greater, or by both imprisonment and fine. For more information, click here.